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US citizens in the UK · Institutions

Which iPensions Group accounts accept US citizens

Last checked

iPensions Group offers a pension to a US person, with strings.

If you already have an account with iPensions Group, a second one there is usually the easier application, because iPensions Group has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
SIPPs Accepts with conditions 3

SIPPs

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Accepts with conditions
Updated

US persons: an appointed financial adviser, because it will not take you direct, and £40,000 to transfer in

iPensions sells a SIPP built for this exact case. The USA SIPP is for US expatriates, US residents who want a UK registered pension and anyone else US-connected, and it defines that the way the IRS does: a US citizen, a US resident who meets the substantial presence test, a green card holder, and anyone who inherited citizenship from a US parent without ever applying for a passport. It is an adviser-led product, so you appoint a regulated adviser and apply through them, and it holds FCA standard assets only, which rules out the unusual holdings a full SIPP would otherwise allow.

FSCS £85,000 investment cover · through a regulated adviser only

Account Terms The catch
The USA SIPP (Single Investment)
Min
40,000 pounds transferred in
Annual fee
£600 a year, after a £300 set-up fee
Can hold
FCA standard assets only: UK quoted shares, gilts and debentures, shares on an HMRC recognised overseas exchange, unit trusts, investment trusts, OEICs, insurance company funds and bank accounts.
 —
The USA SIPP (Platform)
Min
1,000,000 pounds transferred in
Annual fee
£1,100 a year, after a £300 set-up fee
 —
The USA SIPP (Minimum Transfer Value £1.5m)
Min
1,500,000 pounds transferred in
Annual fee
£1,600 a year, after a £300 set-up fee
 —

Source: iPensions Group USA SIPP page, key features document and fee schedule, read 2026-09-25 iPensions Group's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
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The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.

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The US-UK treaty stops most double taxation, but the saving clause lets the US tax its citizens almost as if it were not there. What survives the clause.

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Form 3520

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